| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRICOR, INC3 Filed as: TRICOR INC | 600 STAR BREWERY DR., STE 110 DUBUQUE, IA 52001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 15.00% |
| TRICOR, INC3 Filed as: TRICOR INSURANCE & FINANCE | 230 W CHERRY ST LANCASTER, WI 53813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.06% |
| TRICOR, INC3 Filed as: TRICOR, INC. | 230 W. CHERRY ST. LANCASTER, WI 53813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 3.24% |
| DELORES A MENDELS3 Filed as: DELORES A. MENDELS | W6325 GOOSE CREEK CIRCLE GREENVILLE, WI 54942 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $1 | $124 | 1.45% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES SC | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $1 | $116 | 1.35% |
| STERLING WEALTH MANAGEMENT LLC3 | W175 N11163 STONEWOOD DR. GERMANTOWN, WI 53022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.77% |
| PATRICK THOMAS FLANAGAN3 | 3048 S. WENTWORTH AVE. MILWAUKEE, WI 53207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| TRICOR, INC3 Filed as: TRICOR INSURANCE & FINANCE | 230 W CHERRY ST LANCASTER, WI 53813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $514 | — | $514 | 12.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 626 | $54K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $147K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 458 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.